by Dan Moskel,
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on the net: http://cardsuggest.com
UNITED STATES, Jan 04 — The Centennial credit card is an unsecured card created for individuals with a damaged credit report. It is issued by First Premier Bank an FDIC member.It has easy approval requirements, but does carry some fees. It could be more cost effective to apply for a secured or prepaid card
T
he centennial credit card is an unsecured card created for individuals with a damaged credit report. It is issued by First Premier Bank an FDIC member.
It has easy approval requirements, but does carry some fees. Including a one time $95 fee, an account set up fee of $29, and an annual fee of $48.
You will see these charges on your first monthly bill. They will be charged towards your available credit limit.
Your card will have an initial $250 limit, and a 9.9% APR.
It can come as a MasterCard or Visa; you will decide when you apply. Additionally if you apply online you will have a response to your application within 60 seconds.
If you make your monthly payment on time you can build a positive payment history on your report.
Your utilization ratio is also an important factor in your score. This is the amount of debt you have compared to how much available credit you have. Your score will get the most benefit if you can keep your balance at roughly 30% of you limit.
In other words a $250 limit, you want to keep your balance at $75. You will be eligible for a credit limit increase after six months.
The First Premier Bank is in Sioux Falls, South Dakota. They are a member of the Better Business Bureau and have served over 3 million people.
It is accepted everywhere you see the Visa or MasterCard logo displayed. To qualify you must be over 18 years of age and have a valid social security number.
Recently we have seen a rise in interest rates even with prime lending. Some rates have jumped to an outrageous 30% without cause, meaning the customer did not pay late.
In sum we suggest you look at all your options. It could be more cost effective to apply for a secured or prepaid card. Additionally you might want to focus on repairing your damaged credit report and then apply for a card.
Communicate directly with Dan Moskel, the author of this article. Ask questions, send suggestions, comments, engage in conversation, or perhaps you would like to submit a project.
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The Centennial credit card is an unsecured card created for individuals with a damaged credit report. It is issued by First Premier Bank an FDIC member.
It has easy approval requirements, but does carry some fees. Including a one time $95 fee,
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